geeeeeeeeeez nic, you havent even had it that long man !!!!
i dont think you can get the remainder of the premium back if you claim. its only if you cancel and opt out of your policy.
as for the parts. if you can replace them with standard parts, and theyre not listed on your policy, you can take them..... i think.
i remember hearing an ad for allianz just yesterday. "one call, no paperwork, and they paid me right away" lol. yeah right.